Ben and Ernie share their different strategies for applying Rule Four -- aging your money -- and specifically budgeting for the month ahead. Ben budgets for the next month in real time, allocating paychecks to categories in the next month on the calendar. Ernie, on the other hand, uses a holding category to park dollars that will be applied to the next month, and waits until the beginning of the month to actually allocate thoses dollars. They debate the pros and cons to each approach, and discuss some hybrid approaches that might be the best of both worlds!

Share your YNAB wins with Ben and Ernie!

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